Property Adjuster Specialist – Specialty Claims Team

USAA

Property Adjuster Specialist managing complex property insurance claims for USAA in various locations. Requires strong estimating skills and investigative abilities in a hybrid role.

Posted 6/27/2026full-timeSan Antonio • Arizona, Colorado, Florida, Texas, Virginia • 🇺🇸 United StatesJuniorMid-Level💰 $69,920 - $125,850 per yearWebsite

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

property claims adjustingwriting estimatesestimating lossesXactimateresidential constructionproperty claims contractscase law interpretationstate laws and regulationsnegotiationinvestigation

Soft Skills

communicationconflict resolutionanalytical skillsprioritizingmulti-taskingproblem-solvingindependent workcollaborationrecommendation developmentcomplex problem solving

Tools & Technologies

claims management platformsclaims estimating tools

Certifications & Qualifications

insurance adjuster license

Industry Keywords

claims caseloadcomplex damagesclaims coverageSpecial Investigation Unit (SIU)settlement negotiationclaim file documentationcatastrophe (CAT) responseCAT deployment travelmandatory on-callHigh School Diploma

About the role

Key responsibilities & impact

Proactively manages assigned claims caseload comprised of complex damages that require commensurate knowledge and understanding of claims coverage including potential legal liability
Partners with vendors and internal business partners to facilitate complex claims resolution
Investigates claim damages by conducting research from various sources, including the insured, third parties, and external resources
Identifies coverage concerns, reviews prior loss history, determines and creates Special Investigation Unit (SIU) referrals, when appropriate
Determines and negotiates complex claims settlement within authority limits
Develops recommendations and collaborates with management for determining settlement amounts outside of authority limits
Maintains accurate, thorough, and current claim file documentation throughout the claims process
Utilizes platforms and tools to prepare claims estimates to manage complex property insurance claims
Supports workload surges and catastrophe (CAT) response operations as needed, including mandatory on-call dates and potential evening, weekend, and/or holiday work outside normal work hours
May be assigned CAT deployment travel with minimal notice during designated CATs
Works independently solving complex problems with minimal guidance

Requirements

What you’ll need

High School Diploma or General Equivalency Diploma
2 years of relevant property claims adjusting experience of moderate complexity losses that includes writing estimates, involving dwelling and structural damages
Advanced knowledge of estimating losses using Xactimate or similar tools and platforms
Proficient knowledge of residential construction
Proficient knowledge of property claims contracts and interpretation of case law and state laws and regulations
Proficient negotiation, investigation, communication, and conflict resolution skills
Proven investigatory, analytical, prioritizing, multi-tasking, and problem-solving skills
Ability to travel 50-75% of the year (local & non-local) and/or work catastrophe duty when needed
Acquisition and maintenance of insurance adjuster license within 90 days and 3 attempts
Successful completion of a job-related assessment may be required

Benefits

Comp & perks

comprehensive medical, dental and vision plans
401(k)
pension
life insurance
parental benefits
adoption assistance
paid time off program with paid holidays plus 16 paid volunteer hours
various wellness programs
career path planning and continuing education